What happens if I am sued for a debt?

If you are sued for a debt in Pennsylvania, there are certain legal protections available to you. The first is called the Consumer Debt Defense Law. This law protects consumers from aggressive collection tactics, such as collections calls that happen late at night and repeated phone calls in a short period of time. The law also limits how much time a debtor has to pay a debt. In Pennsylvania, debtors have thirty days to pay a debt before the creditor can file an action in court. Once an action is filed in court, the debtor has the option to file an answer. This is where the Consumer Debt Defense Law comes into play. The answer allows the debtor to challenge the creditor’s claim or assert legal defenses. For example, if the creditor cannot prove the debt is valid or owed, the debtor can use the Consumer Debt Defense Law to argue that the debt is not valid. If the debtor is successful, they may be able to have the debt discharged. If the debtor is unsuccessful in their defense, however, the creditor can still obtain a judgment against the debtor. This may result in garnishing the debtor’s wages or money being taken from their bank account. If you are sued for a debt in Pennsylvania, it is important to consult with an attorney to make sure your rights are protected.

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What happens if I am sued for a debt?

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